The Sebastopol Office: Open weekdays from 8:00 am to 5:00 pm
We are closed for major holidays.
When planning a visit even just to briefly speak with a particular person, please call beforehand so we can expect you.
If you need to drop off something to us after hours, we do have a small drop slot at the back North West corner of the building into Jason’s office. Look for the small sign on our back door “Willow Creek Financial Night Drop”.
Office Address & Phone Numbers:
825 Gravenstein Hwy No., Suite #5
Sebastopol, CA 95472
707-829-1146 (Sebastopol)
800-696-8096 (Toll Free)
707-829-0111 Fax
415-925-1388 (Marin)
Email Addresses:
Bruce Dzieza, CFP:
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Kelly Noonan:
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Heather Cleland, CFP:
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Ginny Folwell:
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Jason Gittins, CFP:
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Patti Dedrick:
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Teresa Mitchell, CFP:
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Sheryl Harrigan:
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Mark Keating, CFP:
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Nancy Spallino:
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Dave O’Rourke:
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My Advisor
How should I contact my advisor?
Please either call or email. We will always do our best to return your call/email within 24 hours during the work week. Keep in mind that emails do not always go through or can get lost in the spam folder. Please follow up with a phone call if you haven’t received a timely response.
When should I contact my advisor?
You should contact your advisor whenever you have a question or concern about your finances, or changes in your financial situation. If you are unsure about anything to do with money please don’t hesitate to call us to talk about the issue.
Deposits
How do I make a deposit to my account/who do I make the check out to?
You can mail a check to the Willow Creek Sebastopol office (or drop it by). Checks should be made payable to TD Ameritrade fbo your account number. Don’t forget to indicate in the memo section of the check which account the deposit is for. If the deposit is for a retirement account, please indicate the tax year of the deposit. Funds can be wired directly to your TD Ameritrade account from any financial institution using TD Ameritrade’s wire instructions. If you would like to make systematic deposits either monthly or quarterly, you can set up an Automated Clearing House (ACH) deposit directly from your personal checking or savings account to your investment account.
Withdrawals
How can I get money out of my account?
Call or email us with the request. Any of us can take a funds request. Please let us know how you would like the funds sent (i.e. check, ACH or wire) and when you will need the funds. If you need to take a large amount from your account that may involve trading, it is a good idea to speak with your advisor directly. If you have check writing on your taxable account you may also write a check, just let us know the amount of the check/s so we can insure there is cash available to cover your request.
Please do not leave withdrawal requests on voicemail.
In what ways can I take a withdrawal/ how long will it take to get my money?
There are several ways to take a withdrawal: A check issued to you and mailed to your address of record, Federal Funds Wire directly to your checking account or an ACH deposit to your checking account. You can also set up your account with automatic withdrawals for a fixed amount each month, quarterly, semi annually or annually, sent either to your bank electronically or to any bank of your choice. All withdrawal requests to a location other than your address of record via check require your signed approval.
Please give us about a week to process a cash request. If there is not adequate cash in the account it can take up to three days for the trades to settle. Keep in mind that it may take 5-7 business days to receive a check. Checks are mailed from TD Ameritrade’s Omaha Nebraska operations center. In many cases wires can be completed the next business day.
Is there a charge for withdrawals?
There is no charge from TD Ameritrade or Willow Creek for a standard withdrawal. If you would like a check from your account sent via an over-night carrier there is a $10 fee. Also, your bank may charge a fee for processing wires. Please keep in mind that there may be tax ramifications upon the sale of any investment in a taxable account.
My Account
I don’t understand my statements from TD Ameritrade or my Quarterly Statement from Willow Creek?
Bring them in or give us a call. Financial statements can be difficult to interpret and we are happy to go over them with you.
Can I view my accounts online at TD Ameritrade and can I get my statements/trade confirmations online?
You can. Please contact Patti to set up online access to your TD Ameritrade account(s). Once online you’ll be able to view your holdings and retrieve previous monthly statements and trade confirmations. When you complete your application for an account at TD Ameritrade you can select to have your statements/trade confirmations viewable online. When a new statement is available online you will receive an email notification. If you ever experience technical problems with the online access please give our office a call.
Reviews of my Account
How often should I come in for a meeting with my advisor?
At least annually. If you can’t make an in-person meeting please call to set up a phone meeting. These meetings are very important and keep you up to date on current economic, tax, estate, and retirement issues. They also give you an opportunity to discuss any changes in your life that may affect your financial planning goals.
Is there a charge for these meetings?
There is no charge to our clients that engage us for comprehensive wealth management. As a WCFS wealth management client these update meetings are included in our services. However, there may be a fee charged for financial planning updates which include a systematic review of new information. When charging for financial plan updates, we will always provide an estimate of the costs before we begin.
Investment Policy Statement
What is an Investment Policy Statement (IPS)
An IPS is a document that establishes reasonable expectations, objectives and guidelines pertaining to the investments and management of your portfolio. The IPS provides both you and WCFS a very clear directive on how your account is to be managed. WCFS does not change the risk and return objectives of your IPS without first discussing the changes with you.
Additional Services
Business Planning
Divorce Planning
Estate Planning
Philanthropy/Charitable Giving
Real Estate Consulting
Retirement Planning
Socially Responsible Investing
Stock Option Analysis
Tax Planning
Clients often wonder who to call when they have a simple question or need money from their account. Actually any of us can take a money request or answer basic questions. Below is a list of Willow Creek employees and a brief description of what they do.
For something more complicated or when you need to take a large, unexpected sum from your account that may involve trading and tax issues it usually is a good idea to speak with your advisor directly.
Front Desk
Patti Dedrick…Patti brings years of experience in the financial stock transfers industry to her position here at WCFS. All of you have probably met or spoken with Patti when you call in or need to execute new account paperwork. She is also our resident notary.
Advisors
Bruce Dzieza…Bruce is our founder and president. He specializes in all aspects of asset management, real estate and charitable giving as well as being our bond expert.
Heather Cleland…Heather is a partner and has had her CFP certification since 2000. She creates many of our comprehensive financial plans and serves as the company’s Chief Compliance Officer.
Jason Gittins…Jason is a partner, originally starting as an intern in 1996 from Sonoma State. He is our portfolio manager in addition to having his own roster of clients.
Teresa Mitchell…Teresa received her CFP in 2008 and spends much of her time on the financial planning side of the business. She also speaks with any prospective clientele. If you call late in the day you may find yourself speaking to Teresa.
Mark Keating… Mark is also one of the company’s portfolio managers. He completed his CFP certification in 2009. Mark formerly worked in the wealth management division at Exchange Bank.
Dave O’Rourke…Dave brings over 30 years of business and investing experience in addition to his 11 years as a Financial Advisor.
Financial Analysis
Kelly Noonan…no one has worked for Willow Creek Financial longer than Kelly, although many of you have not met her. As our CFO, she maintains our multiple databases and works closely with advisors in the rebalancing of your portfolios.
Ginny Folwell…Ginny is another staffer you may not have met. She has worked on executing trades as our portfolio administrator since 2005.
Administrative Support
Sheryl Harrigan…Sheryl is a long-time employee since 1999. She handles our billing and tax support.
Nancy Spallino…Nancy works part-time for Willow Creek on special projects. She often answers the phones and you may have seen her at the front desk when Patti is away.